IMPORTANT! By accessing and using the www.centum.ca website (the Site), you are agreeing to the following terms and conditions and to the Privacy Policy available elsewhere on the Site. These terms and conditions and the Privacy Policy may be changed from time to time, and it is your responsibility to check back regularly to inform yourself of such changes. Your continued use of the Site following the posting of changes to these terms will be deemed as your acceptance of all such changes. If you do not agree to these terms and conditions, you must immediately stop accessing and using the Site.

Background

This is an agreement between you and Centum Financial Group Inc. (CENTUM), and describes the terms and conditions applicable to your use and access of the Site.

About CENTUM

CENTUM is part of a group of franchise organizations that includes financial, real estate and travel businesses. CENTUM grants franchises to operate mortgage brokerage businesses to certain qualified independent businesses but does not itself provide mortgage broker services. Each CENTUM franchise is an independently owned and operated mortgage broker business.

Permitted Use

You are only authorized to visit, view and to retain a single copy of pages of the Site for your
own personal use. You shall not duplicate, download, publish, modify or otherwise distribute any of the information, reports, data, graphics, trade-marks, text, files, software, product or company names, trade-marks or trade-names listed, contained, embedded or otherwise present on this Site from time to time (collectively, the "Content") for any purpose. Additionally, you shall not, without CENTUM's prior written permission, remove or modify any legal notices or credits which may be present on the Site, link or post links to any subdirectory of the Site or frame any portion of the Site.

Franchisee and External Links

The Site contains links to websites operated by CENTUM franchisees (each a "Franchisee") and to third party websites. CENTUM cannot and does not make any guarantees, representations, warranties or endorsements with respect to the content contained or services available on such websites (including, without limitation, any guarantees or representations with respect to the accuracy of the information contained on such websites, the reliability of such websites, the suitability for a particular purpose of such websites or the absence of any viruses, bugs or other disabling material on such websites which may adversely affect the operation of your computer or other software). By using the Site to link to another website, you understand and agree that CENTUM will not be liable for any damages or losses resulting or arising from your use of such
other websites. If you are interested in establishing a link from your website to our home page, or if you wish to publish or post our name, logo or other references to CENTUM on another
website, please contact us at legal@centum.ca.

Access and Interference

You shall not use any robot, spider or any other device or process to monitor or copy the Site or the Content without CENTUM's prior written permission, and also shall not use any device, software or routine to interfere or attempt to interfere with the proper operation of the Site or, where applicable, the Content.

Limitation of Liability and Disclaimer

USE OF THIS SITE AND CONTENT IS SOLELY AT YOUR OWN RISK. CENTUM
provides the Site and the Content on an "as-is, where-is" basis, and does not represent, warrant or guarantee that the Site or the Content will be free of errors, viruses, worms or other disabling material which may adversely affect the operation of your computer or other software or that the Site will function on an uninterrupted basis. CENTUM expressly disclaims all warranties, express or implied, with respect to the Site and the Content, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose or ownership and non- infringement of the Content. NEITHER CENTUM NOR ANY FRANCHISEE SHALL BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES) ARISING OUT OF OR IN CONNECTION WITH THE USE OR ACCESS OF THIS SITE OR THE CONTENT, WHETHER SUCH LOSS OR DAMAGE ARISES OUT OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY OR RESPONSIBILITY.

Ownership

The Content and the Site are the property of CENTUM and/or its suppliers and trade partners and are protected by Canadian and international copyright, trade-mark and other laws. The CENTUM trade-mark and logo are trade-marks of CENTUM. Except as expressly permitted in these terms and conditions, you shall not copy, transmit, display, distribute, license, alter, frame or otherwise use in whole or in part in any manner any of the Content. Other featured words or symbols used to identify the source of goods and services are the trade-marks of their respective owners.

Content

As CENTUM cannot and does not represent, warrant or guarantee that the Site or the Content will be free from errors, viruses, worms or other disabling devices, you should take, and represent and warrant that you have taken, reasonable and appropriate precautions to scan for computer viruses. You should also ensure that you have, and represent and warrant that you have, a complete and current backup of the information contained on your computer prior to using or accessing the Site or the Content.

Privacy

CENTUM believes your privacy is important. Please review CENTUM's Privacy Policy which applies to all information transmitted by you or gathered by CENTUM through your use of the Site. Any information transmitted to CENTUM by you other than specific information about you will be treated by CENTUM as non-confidential and non-proprietary, and you authorize CENTUM to distribute, reproduce and otherwise use such information as CENTUM considers appropriate.

Choice of Law

Your access to and use of Site, these terms and conditions and the Privacy Policy are governed in all respects by the laws of British Columbia, and any disputes arising out of or in connection with the Site will be heard in the courts of Vancouver, British Columbia.

Indemnity

You shall indemnify and hold CENTUM and each Franchisee (and their respective subsidiaries, affiliates, officers, agents and other partners and employees) harmless from any loss, liability, claim or demand, including reasonable legal fees, made by any third party due to, or arising out of, your use and access of the Site.

Online Applications to Franchisees

Information contained in mortgage applications, online or otherwise, is submitted to enable CENTUM to consider a mortgage loan, and is to my best knowledge and belief a true statement of my affairs. In submitting this information I/We consent to CENTUM, CENTUM Franchisees, and / or any of its agents or assigns, obtaining such credit reports and other information necessary at any time in connection with the application made for a mortgage loan and to the disclosure of any personal and credit information concerning the undersigned to any credit reporting agency, financial institution or corporation for the purpose of mortgage approval, funding and ongoing account management. I/We also consent to receive periodic mortgage account information as well as mortgage and real estate related promotional or informational material.

Miscellaneous

If any provision of this Agreement is held by a court of competent jurisdiction to be invalid or unenforceable, such provision shall be severed and the remaining provisions shall remain in full force and effect. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. CENTUM's failure to act with respect to a breach by you or others does not waive CENTUM's right to act with respect to subsequent or similar breaches. This Agreement sets forth the entire understanding and agreement between you and CENTUM with respect to the Site. If you have any further questions or concerns, please contact: